I'm always interested in a detailed accounting of the fees and costs associated with any financial scheme.

I hope I didn't leave a vague suspicion about non-interest costs & fees changing over time, they don't. Reverse mortgages (by the nature of the exclusively senior market, in relationship to their occupancy,) are more diligently accounted & disclosed than virtually any other financial product in the market, bar none.

It is the final determination of how much the borrowed money *ACTUALLY* incurs in INTEREST charges that drops in the case of moderate to low appreciating real estate markets (as we are most likely facing from this point forward.)

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